Hello, I Am A 28 Year Old Female. I Was

Hello, I am a 28 year old female. I was wondering if you could tell me what the chances are that I have heart problems/disease. I am obese and have smoked for 10 years. I have had almost daily heartburn for a couple years now. Someone told me that could be a sign of heart disease or potential heart attack. I'm stressing myself out about it and do not currently have the money for a check up.